Partner Credit Manager II

About the role

Coastal is at the forefront of modern banking, combining strong financial infrastructure with cutting-edge Banking-as-a-Service (BaaS) and fintech enablement strategies. We support not only individuals with their personal banking needs; we also empower businesses by integrating modern banking technology that drives growth, flexibility, and innovation. At Coastal, we think and move like entrepreneurs; focused on impact, speed, and continuous improvement. We believe in working smart, collaborating deeply, and building solutions that unlock real potential. If you're someone who thrives in a fast-moving environment, loves solving complex problems, and wants to help shape the future of banking, we'd love to meet you. Check out our video here ! Coastal Community Bank is seeking a highly skilled and experienced Partner Credit Risk Manager to support oversight of the Bank's partner lending programs across consumer and business portfolios. This role operates within the second line of defense and is responsible for providing independent risk oversight, effective challenge, analytical review, and ongoing monitoring of partner credit programs to ensure alignment with the Bank's credit risk appetite and regulatory expectations. The ideal candidate brings strong expertise in credit risk management, portfolio analytics, and partner oversight within fintech, embedded finance, or Banking-as-a-Service (BaaS) environments. This individual will manage an assigned portfolio of partners and be responsible for independently analyzing portfolio performance and underwriting trends, reviewing and challenging partner credit policy proposals, developing actionable risk insights, and communicating recommendations effectively to senior management and cross-functional stakeholders. The role will collaborate closely with internal teams and external partners to promote a strong risk culture and maintain a well-governed credit environment. HOW YOU'LL DO IT Partner Program Oversight Lead the oversight and governance of partner lending programs to ensure alignment with Coastal Bank's credit risk policies, risk appetite, and regulatory expectations Evaluate new and existing partner relationships, including underwriting strategies, credit policies, decisioning frameworks, and portfolio performance trends Conduct ongoing monitoring and risk reviews of partner portfolios to identify emerging risks, adverse trends, concentration exposures, operational control weaknesses, and portfolio performance deterioration Provide independent review and effective challenge of partner credit strategies, policies, program performance, and risk mitigation practices Collaborate with business development, product, compliance, and third-party risk teams to ensure partner programs operate within established governance frameworks Recommend corrective actions, policy enhancements, or strategic adjustments based on portfolio performance, monitoring results, and evolving risk conditions Second Line of Defense Responsibilities Serve as a second line of defense function providing independent oversight, review, and effective challenge of partner credit risk management practices and lending program performance Prepare and present portfolio risk assessments, trend analysis, and emerging risk themes to senior management and governance committees in a clear and actionable manner Develop and maintain credit risk policies, standards, monitoring routines, and reporting frameworks for partner-related credit exposures Provide oversight of credit risk models and decisioning frameworks, ensuring validation, back-testing, and ongoing performance monitoring are conducted in accordance with model risk governance requirements Escalate material risk issues, control gaps, and emerging concerns to senior management through established governance processes Support regulatory examinations and internal audit engagements related to partner lending programs and credit risk management practices Consumer and Business Credit Program Management Oversee risk strategies and assigned partner portfolios across consumer and small business lending programs Monitor portfolio performance, including delinquencies, charge-offs, fraud losses, concentrations, and vintage trends Independently analyze portfolio and underwriting performance data to identify emerging risks, assess underwriting effectiveness, and develop actionable risk mitigation recommendations Recommend adjustments to credit policy, underwriting criteria, exposure limits, or partner agreements based on portfolio performance and evolving risk conditions Participate in portfolio reviews, stress testing, and concentration risk assessments to support proactive risk management practices

Requirements

• Demonstrated experience managing partner, fintech, or third-party lending programs within a regulated financial institution
• Strong understanding of consumer and small business lending product

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